What personal data will we need to collect?

To be able to provide our services we will need to collect certain categories of personal data. This will include:

• Contact details – so that we can regularly contact you where we need to and update you about your Trust Deed
• Your Income and expenditure so that we can regularly contact you where we need to and update you about your Trust Deed
• The people you owe money to and your property and assets – so we can properly administer your Trust Deed and advise you what you need to do to complete your arrangement
• Personal circumstances such as your employment, living arrangements and financial dependents, so that we can understand how any change in your situation affects your Trust Deed
• Special personal information – only with your permission and where this is relevant to your financial situation and the administration of your trust deed, or where we have a legal right to do so.
• Financial details we need this information to be able to collect your regular payments for your Trust Deed.

This is required to enable you to enter into a Trust Deed and to fulfil our contractual obligations with you, and to fulfil our legal and regulatory obligations.

With your permission, we may obtain and use information from your credit file to confirm certain information, including about your lenders, balances, account numbers, your account, address and insolvency history and details of judgments made against you (e.g. CCJs). Your credit file data will be provided by Callcredit Limited (trading as TransUnion), subject to passing their authentication process. For more information about how TransUnion uses and shares your credit file information, please click here.

Who will the data be shared with?

our personal information will be shared with the creditors, debt collectors and voting agents that you owe money to.

We will share information about your Trust Deed with the Accountant in Bankruptcy (AiB). Information about you and your Trust Deed will appear in the publicly accessible Register of Insolvencies maintained by the AiB.

Our regulators, such as the Insolvency Practitioners Association, may request certain information as part of supervising us. We would have a legal or regulatory obligation to provide this.

Your personal data may be shared with tracing agents where we have a legitimate interest to obtain up to date contact information to help us to continue to provide the services to you.

If you have provided your authority or we have a legitimate interest to do so, or where we may be legally entitled to, we will share information with credit reference agencies (CRAs) to obtain information about your financial history or your credit commitments.

For further information on how CRAs may use your personal information you can view the Credit Reference Agency Information Notice here or from the three main CRAs – TransUnion (formerly Callcredit); Equifax; and Experian.

How long will your data be stored for?

Whilst we continue to provide services in relation to your Trust Deed, we will keep a record of your personal data to ensure that we meet our legal and regulatory obligations and provide the best service possible. Your information will normally be kept for at least 6 years, starting from the date when the Trustee is discharged from acting in your case. Telephone calls will be retained for at least 6 years from the date the call was made.

After this time, we will delete the information or anonymise the data so that it cannot be linked back to you.